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EP3080762A4 - Systems, apparatus and methods for improved authentication - Google Patents

Systems, apparatus and methods for improved authentication Download PDF

Info

Publication number
EP3080762A4
EP3080762A4 EP14870265.7A EP14870265A EP3080762A4 EP 3080762 A4 EP3080762 A4 EP 3080762A4 EP 14870265 A EP14870265 A EP 14870265A EP 3080762 A4 EP3080762 A4 EP 3080762A4
Authority
EP
European Patent Office
Prior art keywords
systems
methods
improved authentication
authentication
improved
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
EP14870265.7A
Other languages
German (de)
French (fr)
Other versions
EP3080762A1 (en
Inventor
Craig Gilbert
Brian John PIEL
Gregory D. WILLIAMSON
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Mastercard International Inc
Original Assignee
Mastercard International Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Mastercard International Inc filed Critical Mastercard International Inc
Publication of EP3080762A1 publication Critical patent/EP3080762A1/en
Publication of EP3080762A4 publication Critical patent/EP3080762A4/en
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4018—Transaction verification using the card verification value [CVV] associated with the card
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q2220/00—Business processing using cryptography

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
EP14870265.7A 2013-12-09 2014-12-02 Systems, apparatus and methods for improved authentication Ceased EP3080762A4 (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US201361913670P 2013-12-09 2013-12-09
US14/509,247 US11823190B2 (en) 2013-12-09 2014-10-08 Systems, apparatus and methods for improved authentication
PCT/US2014/068137 WO2015088825A1 (en) 2013-12-09 2014-12-02 Systems, apparatus and methods for improved authentication

Publications (2)

Publication Number Publication Date
EP3080762A1 EP3080762A1 (en) 2016-10-19
EP3080762A4 true EP3080762A4 (en) 2017-08-30

Family

ID=53271586

Family Applications (1)

Application Number Title Priority Date Filing Date
EP14870265.7A Ceased EP3080762A4 (en) 2013-12-09 2014-12-02 Systems, apparatus and methods for improved authentication

Country Status (9)

Country Link
US (2) US11823190B2 (en)
EP (1) EP3080762A4 (en)
JP (2) JP2017500648A (en)
KR (2) KR20160093068A (en)
CN (1) CN105814592A (en)
AU (1) AU2014364278B2 (en)
CA (1) CA2933021C (en)
RU (1) RU2648594C2 (en)
WO (1) WO2015088825A1 (en)

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US11823190B2 (en) 2013-12-09 2023-11-21 Mastercard International Incorporated Systems, apparatus and methods for improved authentication
US9449346B1 (en) 2014-05-21 2016-09-20 Plaid Technologies, Inc. System and method for programmatically accessing financial data
US9595023B1 (en) 2014-05-21 2017-03-14 Plaid Technologies, Inc. System and method for facilitating programmatic verification of transactions
US11023890B2 (en) 2014-06-05 2021-06-01 Visa International Service Association Identification and verification for provisioning mobile application
US10990941B1 (en) * 2014-08-15 2021-04-27 Jpmorgan Chase Bank, N.A. Systems and methods for facilitating payments
US10997654B1 (en) 2015-01-15 2021-05-04 Wells Fargo Bank, N.A. Identity verification services through external entities via application programming interface
US10937025B1 (en) 2015-01-15 2021-03-02 Wells Fargo Bank, N.A. Payment services via application programming interface
US10990974B1 (en) 2015-01-15 2021-04-27 Wells Fargo Bank, N.A. Identity verification services and user information provision via application programming interface
US10621658B1 (en) 2015-01-15 2020-04-14 Wells Fargo Bank, N.A. Identity verification services with identity score through external entities via application programming interface
US10552834B2 (en) * 2015-04-30 2020-02-04 Visa International Service Association Tokenization capable authentication framework
US10853788B1 (en) * 2015-06-19 2020-12-01 Jpmorgan Chase Bank, N.A. Systems and methods for enhanced shopping using a mobile device
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US11232453B2 (en) * 2015-09-30 2022-01-25 Mastercard International Incorporated Method and system for authentication data collection and reporting
US10726491B1 (en) 2015-12-28 2020-07-28 Plaid Inc. Parameter-based computer evaluation of user accounts based on user account data stored in one or more databases
US10984468B1 (en) 2016-01-06 2021-04-20 Plaid Inc. Systems and methods for estimating past and prospective attribute values associated with a user account
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US10558975B2 (en) * 2016-08-17 2020-02-11 Mastercard International Incorporated Systems and methods for use in facilitating transactions
US11488173B1 (en) * 2016-09-08 2022-11-01 Stripe, Inc. Managed EMV kernel for faster processing
US11010763B1 (en) 2016-09-27 2021-05-18 United Services Automobile Association (Usaa) Biometric authentication on push notification
US10878421B2 (en) 2017-07-22 2020-12-29 Plaid Inc. Data verified deposits
US11468085B2 (en) 2017-07-22 2022-10-11 Plaid Inc. Browser-based aggregation
US11080697B2 (en) 2017-10-05 2021-08-03 Mastercard International Incorporated Systems and methods for use in authenticating users in connection with network transactions
US11188912B2 (en) * 2017-12-21 2021-11-30 Mastercard International Incorporated Systems and methods for use in authenticating users to accounts in connection with network transactions
US11995619B1 (en) 2017-12-28 2024-05-28 Wells Fargo Bank, N.A. Account open interfaces
US11676126B1 (en) 2017-12-28 2023-06-13 Wells Fargo Bank, N.A. Account open interfaces
US11106515B1 (en) 2017-12-28 2021-08-31 Wells Fargo Bank, N.A. Systems and methods for multi-platform product integration
US12293368B2 (en) 2018-06-22 2025-05-06 Mastercard International Incorporated Systems and methods for authenticating online users and providing graphic visualizations of an authentication process
CN110633986B (en) * 2018-06-22 2023-12-01 万事达卡国际公司 System and method for authenticating online users
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US20190392450A1 (en) * 2018-06-22 2019-12-26 Mastercard International Incorporated Systems and methods for authenticating online users in regulated environments
AU2019204411A1 (en) * 2018-06-22 2020-01-16 Mastercard International Incorporated Systems and methods for authenticating online users with an access control server
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US11316862B1 (en) 2018-09-14 2022-04-26 Plaid Inc. Secure authorization of access to user accounts by one or more authorization mechanisms
US12125054B2 (en) 2018-09-25 2024-10-22 Valideck International Corporation System, devices, and methods for acquiring and verifying online information
US10949520B2 (en) * 2018-10-02 2021-03-16 Capital One Services, Llc Systems and methods for cross coupling risk analytics and one-time-passcodes
US11379850B1 (en) 2018-12-10 2022-07-05 Wells Fargo Bank, N.A. Third-party payment interfaces
US11880842B2 (en) * 2018-12-17 2024-01-23 Mastercard International Incorporated United states system and methods for dynamically determined contextual, user-defined, and adaptive authentication
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US11044246B1 (en) 2019-06-21 2021-06-22 Wells Fargo Bank, N.A. Secure communications via third-party systems through frames
US11887069B2 (en) 2020-05-05 2024-01-30 Plaid Inc. Secure updating of allocations to user accounts
US20220036357A1 (en) * 2020-08-03 2022-02-03 Fidelity Information Services, Llc Systems and methods for processing financial transactions using suspended accounts
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US12361213B2 (en) 2020-10-16 2025-07-15 Plaid Inc. Systems and methods for data parsing
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US20250272685A1 (en) * 2024-02-23 2025-08-28 Wells Fargo Bank, N.A. Federated trust using known party

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Also Published As

Publication number Publication date
JP2017500648A (en) 2017-01-05
US20150161608A1 (en) 2015-06-11
AU2014364278A1 (en) 2016-07-21
WO2015088825A1 (en) 2015-06-18
EP3080762A1 (en) 2016-10-19
AU2014364278B2 (en) 2017-04-13
JP6849647B2 (en) 2021-03-24
RU2648594C2 (en) 2018-03-26
CA2933021A1 (en) 2015-06-18
KR20190021486A (en) 2019-03-05
JP2019067442A (en) 2019-04-25
CN105814592A (en) 2016-07-27
CA2933021C (en) 2018-08-28
US20240127245A1 (en) 2024-04-18
KR20160093068A (en) 2016-08-05
US11823190B2 (en) 2023-11-21

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